Capital for the business you actually run.
Restaurants, mechanic shops, grocery and commodities, transportation and manufacturing, the operating businesses that carry a payroll and a lease.
- SBA 7(a), 504 and sector programs
- Term loans and lines of credit
- Equipment and transportation finance
Built for the trade you actually run.
The programs are not gated by sector. The pages are written for one, because a manufacturer, a dentist and a grocer do not share a cash cycle.
Manufacturing and fabrication
Machines, raw material cycles and capacity for an order already won.
Medical, dental and clinical practices
Underwritten on collections and payer mix, not just the owner's score.
Supermarkets and grocery
Built for a two-percent margin: turns, refrigeration and the card fee that eats it.
Restaurants and food service
Occupancy cost, seasonality and kitchen equipment, read the way a credit desk reads them.
Trucking, freight and logistics
Trucks, trailers and fleet capital structured around settlement timing.
Construction and skilled trades
Plumbing, electrical and HVAC: materials before the invoice, payroll between milestones.
Retail and e-commerce
Inventory cash cycles, purchase-order timing and online card costs.
Mechanic and auto service shops
Lifts, diagnostics and parts inventory on the cash flow the bays already produce.
Four doors. Pick the one that describes this week's problem.
Each door opens the review that should happen first. If you are not sure, the route check further down settles it in a minute.
Lines to $250K in about 3 days, fixed-rate terms in about 5, and straight answers on bad credit and second positions.
Equipment and vehicles$25K to $2M over 24 to 84 months, financed on the asset and the payment, with the vendor paid directly.
Replace daily-draw advancesA position map, verified payoffs and one amortizing payment the deposits can carry. Consolidation included.
Cut card processing feesNot a loan. One statement, a written proposal with the estimated annual saving, and you accept or decline.
13 ways to finance a main street deal.
Main Street
13 programs| Program | Amount | Term | Typical close |
|---|---|---|---|
| SBA 7(a)All industries | to $5M | 10–25 yr | 30 days |
| SBA 504All industries | to $5.5M | 10–25 yr | 90 days |
| SBA ExpressAll industries | to $500K | Up to 10 yr | 14 days |
| EZ Term Loan | $25K – $500K | 3–5 yr | 5 days |
| MicroCap Working Capital | $15K – $50K | 10 yr | 30 days |
| Lines of Credit | to $250K | Revolving | 3 days |
| Equipment FinancingAll industries | $25K–$2M | 24–84 mo | File review |
| Jumbo Term Loan | to $25M | Varies | 1 day |
| Hybrid Term / LOC | to $25M | Varies | 1 day |
| Transportation Finance | to $5M | 2–7 yr | 3 days |
| SBA ExpressAll industries | to $500K | 7 yr line / 10 yr term | 21 days |
| SBA Grocery | to $5M | 10 yr | 30 days |
| SBA Made in America | to $5M | 10 yr | 30 days |
Amounts, terms and timelines are typical ranges for complete files and are subject to underwriting, collateral review, documentation, third-party reports and lender approval. Nothing here is a commitment to lend. SBA programs are additionally subject to SBA eligibility and approval.
How long each main street program takes.
Typical time from a complete file to funding, against the conventional brokered path.
Typical timelines measured from submission of a complete file. Actual timing depends on documentation, third-party reports, title and lender approval. Not a guarantee or a commitment to lend. SBA programs are subject to SBA eligibility and approval requirements.
See which review should happen first.
Four non-personal questions. The result is a routing recommendation, not an approval, and nothing is stored.
This check collects no personal details and does not make a credit decision.
Main Street questions.
What counts as a Main Street business?
Any operating business that is not a real-estate investment or a car dealership: restaurants, shops, practices, manufacturers, truckers, contractors, grocers and most things in between. The programs are underwritten on cash flow and collateral, not on sector, so a business outside the named trades is still worth screening.
What is the minimum to be screened?
One year in business, $50,000 in annual revenue and 640 owner credit. That is the floor to be looked at, not a house standard; individual programs ask for more and say so on their pages. Checking where you stand uses no credit pull.
How fast is fast business funding here?
On a complete file, a line of credit typically closes in about three days, the EZ Term loan in about five, and jumbo or hybrid structures as quickly as one day. Government-backed programs take about a month. Timelines are typical, not guaranteed.
Can I get a business loan with bad credit?
The core programs screen from 640. Below that, an asset-backed route or, from 650 with strong deposits, revenue-based funding may still work. Under 600, Capital Readiness builds the file toward a yes instead of collecting another decline.
Do you fund second-position MCAs?
Revenue-based funding here is first or second position only, weekly or bi-weekly, never daily, and we do not take a third position behind two advances. If you already carry two, the right first step is a consolidation review.
Why does a lender offer a card processing review?
Because the fee a business stops paying is cash flow the lender can count. The desk reads one processing statement, computes the estimated annual saving from your own figures and shows it as pro-forma coverage on the file. It is free and creates no obligation.
Ready to price a main street deal?
Estimated rate, leverage and payment, with no credit pull.